商业健康保险嵌入多层次医疗保障体系:定位作用与改善进路  

Commercial Health Insurance Embedded in Multi-level Medical Security System:Positioning Role and Improvement Approach

作　　者：马振涛 郎堃 林琛[2] MA Zhentao;LANG Kun;LIN Chen(School of Marxism,Anyang normal University,Anyang Henan 455000,China;不详)

机构地区：[1]安阳师范学院马克思主义学院,河南安阳455000 [2]北京城市学院经济管理学部,北京100083

出　　处：《卫生经济研究》2024年第11期32-35,39,共5页

基　　金：国家社科基金一般项目“数字技术赋能城市群协同治理问题研究”(22BGL269)。

摘　　要：当前,我国商业健康保险总体覆盖水平不高,在产品创新、政策优惠、适应医疗支付方式改革、医疗健康服务提供、数据共享支持等方面存在不足。对此,应完善顶层设计,强化对商业健康保险的政策激励;推动商业健康保险创新扩面,提升专业化水平;探索管理式医疗保险模式,推动融合发展;推进医疗数据共享,提高理赔效率。At present,the overall coverage level of commercial health insurance in China is still not high,and there are some deficiencies in product innovation,policy preference,medical payment reform,medical health service provision,data sharing support.In this regard,it is necessary to improve the top-level design of commercial health insurance to strengthen the policy incentives,promote the innovation and expansion of commercial health insurance to enhance the professional level of development,explore the managed medical insurance model to promote integrated development,and promote the sharing of medical data to improve the efficiency of claims.

关 键 词：多层次医疗保障体系 商业健康保险 医疗费用 

分 类 号：F840.684[经济管理—保险]